Own Your Dream Home Today – Starting Interest Rates at 3,25%!

The implementation of the program is from 9 April to 30 June 2026 (“Program Period”).

This program is open to customers who are not yet registered with Bank Danamon Indonesia (new to the bank) or customers who are already registered with Bank Danamon Indonesia (existing customers) (“Program Participants”)

1. Program Participants must read and fully understand these General Terms and Conditions.
2. BDI reserves the right to reject or revoke a Program Participant's eligibility if they do not meet the Program’s terms and conditions.
3. Program Participants are solely responsible for any losses, claims, demands, lawsuits, and/or liabilities that may arise in relation to their participation or cancellation of participation in the Program.
4. Programme participants must set aside fresh funds as specified in the following table:

   Nominal Held (minimum)	Hold period (minimum)
   IDR 500,000,000	6 months
   IDR 300,000,000	12 months
   IDR 100,000,000	24 months

5. The placement and holding of funds referred to in point 4 above shall be governed as follows:

   Type of Fund Holding	Description
   a. (“NTP”) Program	Applies to individual customers who have not previously registered for the Privilege service. Customers deposit and block funds by joining the “New to Privilege” program, depositing funds into a savings account, subject to the terms and conditions applicable to the program from time to time. For further details of the program, please refer to www.bdi.co.id/privakuisisi.
   b. Top Up Balance (“TUB”) Program	Applies to individual customers who are registered as BDI Privilege customers. Customers deposit and block funds by participating in the "Top Up Balance" program, with funds deposited into a savings account, subject to the terms and conditions applicable to the program from time to time. For further details of the program, please refer to www.bdi.co.id/topup25.
   c. Hold Savings (saving account)	Applies to all types of individual customers. Customers must deposit and block the full amount of funds in a savings account in accordance with the amount and period specified in point 4 above; this must be completed no later than 7 days prior to the loan agreement being signed.

6. The account used for the placement and blocking of the funds must be registered in the name of the Program Participant.
7. Program Participants may contact BDI’s mortgage sales officer or send an email to referral.center@danamon.co.id for further assistance with the Program application process.

Program participants who meet the General Terms and Conditions of the Program and apply for a mortgage facility at BDI during the Program Period are eligible for the following interest rates:

Fix & Floating Interest

*Note: Interest rates are subject to change at any time in accordance with the Bank’s terms and conditions

Illustration explanation:

1. Customer A is not eligible for the Super Deal Mortgage Program because the amount of funds held does not meet the requirements.
2. Customer B is not eligible for the Super Deal Mortgage Program because the duration of the funds’ hold period does not meet the requirements. However, the customer will still receive the reward benefit from the NTP Program.
3. Customer C is eligible for the Super Deal Mortgage Program because both the amount and duration of the funds’ hold period meet the requirements. The customer will also receive the reward benefit from the TUB Program.
4. Customer D is eligible for the Super Deal Mortgage Program because both the amount and duration of the funds’ hold period meet the requirements. The customer will also receive the interest benefit in accordance with the terms of their savings product.

1. Program Participants may submit complaints related to banking products and/or services either verbally or in writing through the nearest BDI branch office, by contacting Hello Danamon at 1-500-090, or via email at hellodanamon@danamon.co.id.
2. The procedures for handling complaints can be accessed on the official website at: https://www.danamon.co.id/id/Personal/Lainnya/Proses-Penanganan-Keluhan-Nasabah.

1. These General Terms and Conditions of the Program form an integral and inseparable part of the “General Terms and Conditions for Accounts and Banking Services of PT Bank Danamon Indonesia Tbk” and the “General Terms and Conditions for Credit Facilities”. In the event of any discrepancy or conflict between those provisions and these General Terms and Conditions, these General Terms and Conditions of the Program shall prevail.
2. Program Participants hereby agree and acknowledge that the Bank is entitled to amend, modify or supplement these General Terms and Conditions of the Program from time to time, with notice provided via the communication channels available at the Bank. In the event of changes to benefits, risks, costs, terms and conditions under these General Terms and Conditions of the Program, as well as other changes, the Program Participant is entitled to submit a written objection to the Bank within 30 (thirty) working days from the date the Bank notifies such changes via the Bank’s communication channels. The Program Participant agrees that the Program Participant shall be deemed to have consented to the notified changes if the Program Participant does not raise an objection within that period. Should the Program Participant not consent to such changes, the Program Participant is entitled to cancel their participation in the Program, provided they first settle all outstanding obligations of the Program Participant to the Bank (if any).
3. The Program Participant declares that the Program Participant is not currently engaged in, and will not engage in, transactions suspected of constituting money laundering offences and/or other transactions prohibited under the applicable laws and regulations of Indonesia.
4. Should there be indications of fraud, deception, misuse, irregular transactions, unreasonable transactions, money laundering offences and/or actions inconsistent with applicable laws and regulations, the Bank reserves the right to cancel transactions, terminate the use of the Bank’s products/services, cancel participation in the Program, or cancel the provision of Program benefits to the relevant Program Participant. Program Participants remain obliged to settle all their obligations to the Bank (if any).
5. If any provision of these General Terms and Conditions of the Program is, by virtue of a government regulation or court ruling, prohibited, unenforceable, invalid, or declared null and void, this shall not affect the validity of the other provisions of these General Terms and Conditions of the Program, and such other provisions shall remain valid, binding, and enforceable as set out in these General Terms and Conditions of the Program.
6. Should any irregularities regarding this Program be discovered or should any suspected fraud occur, Program Participants are advised to report this immediately via Hello Danamon.
7. These General Terms and Conditions of the Program have been adjusted in accordance with applicable laws and regulations, including regulations issued by the Financial Services Authority (OJK).
8. PT Bank Danamon Indonesia Tbk is licensed and supervised by the Financial Services Authority (OJK) and Bank Indonesia (BI), and is a participant in the Deposit Insurance Corporation (LPS) guarantee program

Customers must be cautious of fraud committed by individuals claiming to represent Bank Danamon and promising Cashback in any form. Any fraud or other criminal acts committed by third parties in connection with or claiming to represent the Program are beyond the authority of Bank Danamon.